Dispute ID: 4888217 . DND:2022-08-15. Intake type: Phone. Reg E. Old account. CH is disputing 1 UT from Advancewisdo amounting to $7.99. As per Penny, card is in possession at the time of the transaction. PIN is stated as "Yes". No merchant credit. No claim cancellation. Card ending with 7021 is closed. Transaction type: Moto 7 Entry Mode 1 Card-Absent with CB rights. ***INVESTIGATION*** No funding event prior to the authorization of the  disputed transaction. No previous transactions with the same merchant. As per Galileo, deny code 04, 59, 57 is observed within the disputed UT timeline but not related with the disputed merchant. With fraud alerts on the disputed card. However, MCO was initiated, a rep named David validated the member's name and address that matches our records on file. Which means that the member benefited from the disputed transaction. No PII changes. No signs of account takeover. AVS RESULT B as per RTA. As per RTA, response code 59, 57,04, was captured within the disputed UT timeline but not related with the disputed transaction. Observed freezing, unfreezing of the disputed card within UT
timeline (suggesting full control of account). There is enough evidence to deny the claim. Final resolution, no error found. Sent ZD #54172134. Filed FR ROL Case #5208506922 . Case closed.

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No funding event prior to the disputed transaction. No previous transactions with the same merchant. Deny code 59 is observed within the UT timeline. Merchant call unsuccessful, long wait time. Held on the line for at least 5 minutes. Call attempts and wait time limit exhausted. Unable to validate the requested information. Fraud alerts observed within the UT timeline. Error found. CB lost. Received compelling evidence. Sent ZD #54119480. VROL Case #2254262551. Case closed.